and we're back. time for the "medical mystery of the week"'s why are medical bills so complicated? help you better understand what in your bill. you've probably seen a lot of bills in your tile. bills like this. this is the bill that people most commonly get. sort of called the summary bill. lots of information in here, but not quite enough to decipher it. broad categories. at bottom usually a high number, which is your cost. a couple things to sort of keep in mind. first of all, you can ask right away for an itemized bill. call your helicopter, get an itemized bill that looks like this. people should do this, especially if you have concerns. good place to start. as you're looking at the itemized bill, three things to really pay attention to. pay attention to the quantity of things. over here to said 10 tore a particular medication or i.e. bags. did you really get 10? something to ask your hospital about. look specifically at the wording. specifically what you're being charged for and see if that makes sense from what you

remember from the hospital and finally look at something like miscellaneous charges. something like a $2,000 toothbrush even. i don't think they cost that much for sure. ask to have the odd charges explained to you. finally, you have the right, as always to negotiate your bill if you think you've been overcharged. hope this helps you foepd thanks for watching. i'm dr. sanjay gupta. more news on cnn starts right now. and hello everybody from the cnn center in atlanta, georgia. this is c"cnn saturday" morning. nevada, big day for the tea party and senator harry reid. we'll get into that in a moment. meantime, i'm t.j. holmes. >> good morning, everybody. for the first time in 16

months sarah palin is joining her former running mate john mccain on the campaign trail. she is stumping for him as he fights to keep his senate seat. watch. >> keep fighting hard for these candidates who are all about the common sense conservative solutions that we need. >> well, if you missed palin's speech yesterday, we're going to play more of it throughout the morning. also this morning, a big caravan for people, rolling into harry reid's hometown. their target today. why? a lot are not too happy with him. the conservative tea party group. getting bold and taking their message straight to his hometown. we will be there. but first a check of the top stories this saturday morning. president obama is now hoping a third time's a charm. second pick to head the transportation security administration is backing out. second pick.

retired general harding says distractions from his work as a defense contractor would not be good for the tsa. the search is going on for the survivors of a south korean navy ship. the ship went down off the coast of north korea. so far 58 have been rescued. the ship was on a routine patrol when it sank. a south korea news agency quotes officials saying an explosion punched a hole in that ship. south korean are playing down a play by north korea. and not making homosexual and straight marines share a room if don't ask, don't tell is passed. the pentagon will begin easing enforcement of that policy. general james conway says he'd like marine barrackses to be converted to single roomses. the marine corps, by the way, is the only branch of the miller that houses two to a room. well, less than 1,000 people

live in the town of search life, nevada, but one in particular that lives there is getting the attention of the tea party today. that is the senate majority leader harry reid. that is his hometown and they are rolling in to send a message to him today. paul steinhauser joins us today in washington. paul, good morning to you, and they are rolling in pretty deep to nevada today. >> reporter: just put out a press relief. tea party express is what we're talking about. one ever those national tea party organizations. they're kicking off their third cross-country caravan in search light and why? because they've been gunning to vote out harry reid. he's up for re-election this year, facing a tough re-election and they're holding it in nevada. put out a press release saying they expect around 10,000 people today in that town and as you mentioned, it's a town of around 1,000 or less in the desert, about 90 minutes south of las vegas. we're going to have that and

jessica yellin out there, full coverage later this morning straight through tonight. should be an interesting day, t.j. >> search light, if you believe their numbers, population could go up tenfold at some point today during that rally. paul, we saw yesterday, a first, haven't seen it since the campaign, senator mccain and sarah palin on the stage together campaigning together. they had a lot to say about the dialogue we've been seeing when it comes to the health care bill but also addressed threats of violence we've been seeing against lawmakers. how did they respond? >> reporter: sarah palin did respond and krit sim of her by democrats, because she put out on her facebook page a fund-raising appeal to go after 17 house democrats who voted in favor of the health care bill last week, all 17 of these house democrat, from districts that mccain and palin fwhon 2008 presidential election. on her facebook page, t.j., use add bull's eye to mark their

districts. take a listen to what she said yesterday at that mccain/palin rally. >> hear the news reports lately. kind of this controversy about us, common sense conservatives inciting violence because we happen to oppose some of the things in the obama administration. we know violence isn't the answer. had we take up our arms we're talking about our vote. this b.s. coming from the lame stream media lately about this -- about us inciting violence. don't let -- don't let the conversation be diverted. don't let a distraction like that get you off track. >> reporter: now, john mccain asked about that language sarah palin used on that facebook page and he was asked by our john king on "john king usa" thursday night. he said he did not think was over the top. listen to what he said about all the rhetoric out there. >> i think that we've got to

urge everybody to be respectful. that's all we can do. i have town meetings all the tile. the only thing i ask people to do is be respectful, and i've had thousands of them. we ought to urge everybody to be respectful of one another. >> reporter: now, mccain's facing a pretty tough re-election battle. a primary point on the right, j.d. hayward, former congressman and radio talk show host and sarah palin in mesa, arizona, heading up to search light later in the day. she is the headliner at that kickoff in harry reid's hometown. >> we'll watch both events. paul steinhauser, appreciate it. talk to you soon. three weeks after parliamentary elections in iran, a winner has finally been announced. former prpt allawi edged out of nuri al marquis liki by a small margin. are the results a surprise?

>> reporter: elena, certainly seen as an upset, the fact former intern allawi overtook in the end nuri al maliki by two seats. more surprising, the fact malawi backed by shiite politicians he was able to get so much support from voters here as well as shiite voters. that's saying iraqis are tired of the divisive politics of the past, sectarian violence and want a government that's secretaryler, inclusive, reach acrossthe aisle and provide them with the services they need. alina? >> allawi has edged off al maliki but falls short of the majority he needs in parliament to form a government. so i'm a bit confused here. what's next? >> reporter: well, this is where the real work begins, and we've known for months now that the elections were just a precursor to all of the negotiations and coalition that's going to need to happen before a government can be formed. prime minister -- former prime

minister allawi eve win 91 seats falls short of 163 seats he needs in parliament to form a government. what will happen now, a protracted period of negotiations where his block is reaching out to other blocs. people do don't like them to get a coalition if they can get the number of seats to form a gft. iraqi politics is railroad complex. not getting easier any time soon. alina? >> what has the reaction been on the streets of baghdad? >> reporter: last night, right after results were announced we started hearing celebratory gunfire in central baghdad and saw lots of pictures people out in the streets celebrating, depending on which neighborhood it was's in last night in certain neighborhoods, a lot of celebration, clearly where there was dominant support for allawi. it's one of relief. the fact it's over. it's been almost three long weeks since the elections. people were tired of all the charges of fraud, all the charges of voter ma anyone ligs

and appeals, wanted it to end, wanted to know who the winner was, now they know the real work is about to begin. >> live in baghdad, thank you. we're told it's spring, but some people in some parts of the country don't feel like they've gotten the message, really. it's still winter no doubt in some spots. reynolds wolf keeping an eye on the weather across the country. where's it is spring and where it is still winter. ten after the hour. stay with us. the abdomen-ator dr. bob bergowitz! yeah, woo! [ announcer ] she's the queen of clean! the 2009 surgeon of the year, dr. nancy mendelsohn! [ male announcer ] doctors and nurses are true heroes. at ge, we're working to give them the innovation, fresh thinking, and advanced technology they need to keep bringing better health to more people. are you ready, mr. randall? let's do this! [ crowd cheering ] ♪ no way. try clean makeup -- lightweight coverage made for your skin type. for normal skin, oil control,

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always like to play some of reynolds' favorite songs when we go into weather. >> takes me back to junior high school, i have to say. a little wham. >> what about you, reynolds? >> absolutely. >> i mean high school. >> it does bring it back. t.j. let me borrow album. i don't know. it really brings back great memories. no question. george michael, got love him. father figure i believe is your favorite, t.j. >> that is a good song, though. >> yeah it is. >> great song. >> that is a great song. >> all right. show you great weather. got to think of a way to get back at him. what we got out there. central rockies, talking about some places possibly up to a foot of snowfall. if you're a skier, this has been the great et winter ever. getting just plenty of snow up there. i know that the calendar indeed

says spring, but we're seeing snow showers that can be expected in parts of not only the rockies, but in the mountains, some places up to a foot of snowfall. the big weathermaker not just snowfall but seeing rain all due to this area of low pressure which continues to bring heavy rain to places like, well, lincoln, nebraska, back into omaha, also. as far south as here, seeing sprinkles. expecting it to intensify, that area of low pressure making its way into parts of arkansas and by late afternoon, some of the storms may not be strong but severe. with that strong stateline winds, possibly an isolated tornado maybe flash flooding in spots of poor drainage and areas low lying. could see ponding on the roadways in parts of arkansas and into west memphis. be careful out there. especially in the afternoon hours. the other side of the storm system it is wonderful along the eastern seaboard. expect sunshine, a few high clouds here and there. a beautiful day, but enjoy it while you can, because off of this action moves into the southeast as we get into late saturday night and into sunday. back west. talk about the snow.

into parts of the great basin and into california,ment if sunshine. great day for you with high temperatures that we expect to rise up into the 60s and 70s for much of the west coast. 52 in salt lake city. back in denver, 64 in atlanta and 80 in miami, new york and boston mainly into the 40s. that's your forecast. let's send it back to both of you at the newsdesk. >> did you mention west memphis? >> indeed i did. great memories. were there not long ago. >> for a special occasion. >> memories. good times, none the less. >> reynolds, thank you. just ahead -- no cash, no problem. forget your credit card. how to use your cell phone as your wallet. plus, singing to help the earthquake victims in haiti. here's josh levs. >> reporter: some of the most beautiful sings you've ever heard in an online video, and it's helping rebuild haiti. ♪ let this be our prayer let this be our prayer ♪

just like every child ♪ just like every child ♪ >> it gets better. i'll show you more and the story behind it. [ male announcer ] how do power and quiet co-exist? as it turns out, very peacefully. introducing powerful steam clean that whispers: the keúéore elite washer. that's genius. keller graduate school of management,

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world." >> fund-raisers galore. this one is special. a group of singers in england create add video that may be like nothing you've ever seen. our josh levs is on the lookout. >> reporter: i keep an eye out for all sorts of videos online you should know about. the one i'll show you here just might be the next big thing. it's definitely some of the most beautiful singing you've ever heard, and in an online video and helping rebuild haiti. take a look. ♪ lead us to a place lead us to a place ♪ guide us with your grace ♪ with your grace ♪ give us faith so we'll be safe ♪ >> this is called "classic relief for haiti." originated in the u.k. with more than 20 respected singers who came together and flew in on their own dime to record this version of "the prayer." very popular song there.

we're going play you a section of it now, and during part of it, we're going to show you some photos from haiti that we have at cnn.com. trust me. you're going to want to hear this. turn down the volume on everything else around you, pump up the volume on us. here is classical relief for haiti. ♪ ♪ and watch us from above ♪ another soul to love ♪ let this be our prayer ♪ let this be our prayer ♪ just like every child ♪ just like every child ♪ needs to find a place ♪

guide us with your grace ♪ give us faith so we'll be safe ♪ [ singing in foreign language ] >> so beautiful. in a way, the best of humanity, using music and talents to try to help those in the worst of humanitarian disasters. a cd is being sold with all profits going to something called the haiti disaster emergency committee.

i linked the entire video on my facebook page, at josh levs cnn. how to get a copy, if you want one. posted lynches if want to give to haiti. as always, tweet me your favorite videos. you it find me on twitter as josh levs cnn. i'll be on the lookout. josh levs, cnn, atlanta. a quick check of some of the other stories making headlines. british airways on strike for the second time in a week. this has been the last four days. the first strike affected thousands of travelers and hundreds of flights. transporting more than 75% of its passengers during this walkout. the situation appears to be more dire for a 25-foot humpback whale believed to be entangled in ropes. it's happening in miami beach, florida. cnn affiliate wsbn reports the national oceanic and atmospheric administration, noaa is evalu e

evaluating the situation. scientists aren't sure if the whale can be saved. the same whole spotted further north along florida's atlantic coast. the brackets busted. 18 are left standing in the ncaa tournament. elite eight. slug it out to see who makes it to the final four. among those making it so far, tennessee, baylor, michigan state, duke, kentucky's in there as well. two games scheduled today. two more tomorrow and we will know the final four. [ male announcer ] years ago,

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welcome back. want to split a check or go in on a group gift but don't have the cash?

not a problem. paypal, amazon.com, some coffee shops even some state governments are making it a lot easier to pay with your cell phone. but how does it work? our tech guru mario armstrong joining us now from washington. so, mario, of course we all have cell phone. the big question is, can i do this with my cell phone? and i am not tech savvy. how does it work? explain to me. >> the answer is, yes, you can, if your cell phone has either internet access or text messa messaging capabilities. some ways of purchasing on your device requires you to have a special application, like a mobile application. in that case you may need an iphone or verizon droid phone or something like that. in most cases you can use text messages and browsing on your device to make purchases on your phone. how it works, it's simple. logon to a store that's online that accepts mobile payments and

you go through the process, like you would on your computer, and when you get to the checkout portion, they'll be different ways you can check out. one thing that's really interesting is verizon has announced a payment to my bill option. so that when you check out on your phone, can you actually have that payment go towards your cell phone bill, not towards a credit card. >> let me get this straight. is this similar in cases when you talk about text messaging to when the millions of americans texted hate toy make a donation after the earthquake were is it like that a bit? >> it is. three different ways to actually pay for products and goods. that was one way. like doing a text message, then you are being placed, a fee placed on to your bill, in the case of the haiti fund-raising, type in the text message and get the $5 or $10 placed on your phone bill. >> mario, i want to ask about the paypal ad, bump or something like that? it is fascinating, but i'm a little confused how it works. >> well, as you can see, you

basically have -- it's an iphone application, and two phones can bump together to share contact information or in this case, actually transfer money between each other. so if you have an iphone, elena, with this software and i do, i can say, you owe me 20 bucks. we can bump hands together and you can give me 20 bucks through our paypal accounts. >> also split a check, go in on a group gift. i mean it is unbelievable. >> cheap skates can't avoid playing. >> right. no alligator arms there. >> no. >> talk about state governments getting involved. the state of arkansas is becoming the first in the nation to do this? >> the first in the nation to accept mobile payments, just a few government agencies to start. >> such as? >> pay for parole fees. you can pay for property taxes. and you can also pay for what is called inmate deposits. so these are three areas right now that you're starting to see

this particular state utilizing mobile phones to pay for those services. >> mario, quickly. everybody wants to know, are there fees involved and is it safe and secure? >> safety and security is the biggest thing. required by the federal government have a two factor authentication. basically several checkpoints to make sure it is you. security involved, similar to online purchases. as it relates to fees, text messaging fees typically apply other transactional fee dos not for sprict purchases you would do on your computer now you're doing on your mobile device. >> you did your job. i almost understand all of this. mario armstrong, thank you. jane us every saturday at this time, mario guru, gives us the scoop. woman ] when i grow up, i want to take him on his first flight. i want to run a marathon. i'm going to work with kids. i'm going to own my own restaurant. when i grow up, i'm going to start a band.

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welcome back to this cnn "saturday morning." i'm t.j. holmes. >> and i'm alina cho. who wants a job? try the white house. the president is having trouble filling the top spot at the transportation security administration, or the tsa. retired army major general robert harding has backed out at the nominee. harding was the president's second pick to head the tsa. searching for survivors after a south korean navy ship sank. 180 sailors aboard when the ship went down in the yellow sea. 58 so far res kied. surviving the cold seas is going to be the most difficult challenge here. >> reporter: it's cold. last night when the incident occurred there were actually snow flurries. these are very, very negative conditions for any men who might be still in the water. i should add that a number of

ports are streaming to high seas. divers have apparently been dispatched. we've seen only one photograph released and that shows, as you may have seen, the part of the ship still just about on the surface of water indicates there may be crew still alive inside the hull. >> the ship was on routine patrol whichwent down. the south korea news agency quotes officials saying an explosion punched a hole in the ship. south korean and u.s. officials playing down possible involvement by north korea. and iraqi prime minister nuri al maliki is challenging the time results of that country's parliamentary elections. his coalition fell two seats short of the top. now that means that former interim prime minister allawi gets the first crack at forming a new government. the first election since the u.s.-led invasion in 2003. the tea party is kicking off a new tour of cross the country

today. it's going to land them on d.c. on april 15th for a big rally. they're starting it in search light, nevada. why? because that happens to be the hometown of senate majority leader harry reid. they are, of course, attacking the health care reform just passed. republicans making a big deal about it and going after it in the elections coming up this year. cnn deputy political director paul steinhauser in washington for us. how are republicans? do we see a game plan yet of how they plan on attacking an running against this, what they call obama care? >> reporter: yes. you've heard a lot from senate republicans, from house republicans and republicans across the country, t.j. in the last week to repeal and replace. those are it's words they're using. that's the campaign motto they have now. they want to repeal the health care law that the president signed the other dayened they want to replace it with their what they're advocating. you're hear a lot about that on the campaign trail straight through the midterm elections. for that that happen, republicans have to make major,

major gains in congress to overcome a veto by the president. a tall ord but what they are running on. you'll hear that today in search light, nevada. you mentioned, tea party activists are already gathering in search light. the tea party express, the national organization which is putting this on, they say they expect up to 10,000 people today. that's what they predict, as you mentioned, all in harry reid's hometown. 2 1/2 week tour ending right here on tax deadline day in washington, d.c. sarah palin, headliner today at the event. >> when it came to obama care -- hey -- by the way, i see today that fidel castro likes obama care but we don't like obama care. doesn't that kind of tell you something? when it came to this, john fought against a government takeover of 1/6 of our economy and told the president that transparency in the legislative

process should be more than just another campaign promise, and in this case with obama another campaign promise that has been so broken. >> it has been now heralded the passage of obama care as "historic." they're right. they're right. it's historic. it's the first time in history where a major piece of legislation has been passed over the overwhelming objection ever the majority of the american people. it's historic. it's historic. what it is also the first time that on a pure partisan basis a major piece of legislation has been passed, and it's going to be historic, because it's going to be repealed and replaced, and it's going to be done soon. >> there you go. you hear that repeal, replace from john mccain. that sound yesterday from sarah palin and her old running mate john mccain in arizona. out there helping him.

running for re-election and facing a tough challenge from the right primary challenge. campaigning with him again this morning in mesa, arizona. then, t.j., heading to search light. we'll have live reports from out there in nevada a little later this morning. >> something what a year and a half makes. he put her on the national stage. now he needs her help. isn't that something? paul, thanks. talk to you soon. >> reporter: thank you. well, the deadline to file your taxes is just a few weeks away. more people are being audited this year. how do you astroid? coming up, five things that are sure to get you audited. even if that means we have to shop all day, right, honey? yep, all day. good thing you're starting here. we compare your progressive direct rate to other top companies', so you can save money! look! we saved a lot! and quick, too. and no more holding her purse! it's a european shoulder bag. it was a gift. mm-hmm. shopping less and saving more. now, that's progressive. call or click today.

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and layoff it's, creating billions to create more than 16,000 jobs. that would be great news if it weren't the irs. the tax agency is gearing up for its most aggressive auditing year ever. and auditor, looking for certain red flags. why we're bringing in our tax lady, joining us from sacramento with tips on what not to do. thank you for joining us. good morning to you. i want to talk about exactly how many americans are going to be audited. number one. and number two, seems like the information. right? simple mistakes. >> yes. first of all, thank you for having me. the repeaty, when you ask how many people will be audited? millions and millions and millions more than ever before, because you know the irs is broke, and they've got to increase revenue. you go immediately to my favorite culprit. mathematical mistake. they're so easy to correct. here wrap i recommend. when you're filling out that tax return and you're scared to death, get a calculator out.

get a soda. take a sip. take a dip breath. get it right. >> all right. let's talk about another red flag here. there have been recent tax law change. first-time home buyer credit, if you bay new car. that kind of thing. these are things the irs are really going to watch closely. right? >> i'm 100% certain if you bay home and you qualify for the first-time home buyers' credit or repeat buyer credit and fill out form 5405 and attach it to your tax return, you will absolutely be audited. why is that? because the irs is giving you an $8,000 check. so they want to confirm that you actually bought that house, you are a first-time owner and you qualified for that credit. you're making a very good point. they're absolutely going to audit on that issue. >> what i found interesting is that high charitable contributions, actually, are a red flag. why is that? >> generally most taxpayers

contribute 10 percents for 20% towards charitable contributions. anytime you find a taxpayer more generous than that, they are definitely going to be audited. why is that? most times when you give to charity you fail to get a receipt. such a bummer, because when audited, you cannot substantiate that wonderful and necessary deduction. >> and just, if you get audited, quickly, roni, how important to keep the receipts? because none of us keep all of our receipts. >> thanks for pointing out something that everyone needs to know. you are going to be audited more than you've ever been audited before. please remember, whatever you put on that tax return, make sure you can substantiate. be honest with the auditor. they actually are a human being, even though you may think they're an alien from the irs. be cooperative, professional, and, please, try to provide everything that they need, because what you put on that return is what you're ultimately responsible for proving.

>> roni deutsche, tax lady, a quarter to 6:00 in sacramento. you still have time for a nap. thanks for waking us early for us and those tips are great. >> thank you so much. appreciate it. top stories in a moment. back after this.

all right. the washington wizards are without their star guard. of course, for the season. talking about gilbert arenas, but a judge decided maybe he can't play in the nba, but no

time in jail. admitted he brought guns into the team's locker rule. no jailtime. doesn't mean he's getting away way slap on the wrist, even though some argue that. the author of the book "beyond the box score," rick joins us to help us understand this one. rick, give us a general idea. good morning, first. but give us a general idea. wrap has han the reaction when people hear that, in fact, he is not going to be doing any jailtime? >> good morning to you. the bottom line of all of this is that it's a court of public. which is different than actually the criminal justice system. there are a lot of incidents are carrying a concealed weapon where people are let off with a slap on the wrist. there are others where you do jailtime. as it relates to the nba, we've had a lot of gun incidents where people are suspended and aren't being able to play a season or beyond, and arenas is an all-star. she a highly visible member of the wizards, and david stern had

sent down a message saying, this is going way too far, and by the way, the nba's image is important. it's a $5 billion business and they need to protect their investment and image. >> did this help him, being that superstar athlete, at least in the eyes of the courted and of this particular judge? >> this particular judge, maybe nobody knows what's in the mind of the judge when he gives out, hands out a sentence. certain minimums. no minimum jailtile here. some people say he let him off way slap on the wrist. i do believe at the end of the day there are going to be some image issues that gilbert arena las to fight and that would be one of them. >> what does this cost him? certainly the prosecution thought all he cared about w whether or not whether he could play and how much salary he lost? >> salary a small suspension of a larger deal. endorsement, $2 million, $3 million, $4 million on an annual basis. wasn't on the top hundred as far

as endorsements. earning power limited. everybody has images. talking tiger next week, entirely different issues but corporations are very careful to look at image issues, period. thank you, tiger. and this one ever those examples. >> last thing i want to move on to. do it quickly to wrap up here. this one hurt my heart. to think about them expanding the ncaa tournament field to 96 teams. the tournament, in my. is perfect the way it is. now, so explain to people why they would want to do this? what's in it for the ncaa and is there a chance of this happening? >> quickly, i could be terrible and say that may be one of ways your razor backs could have gotten in, but i won't say that. in 1929 when the tournament started, eight teams. every year look at how to generate more revenue. this is one of those. hasn't been finalized. remember, it's all ap the dollars. more teams, more money. when you talk about bowls, college bowlsish over 50% of the

teams go bowling, on the basketball side, less than 20%. so there's certainly capacity. we'll talk more from indianapolis, by the way, from the final four. >> perfect. i would hate to see it change, but money rules the day. good to see you. see you next weekend. thanks, rick. all right, t.j., thank you. it's been near lay week since president obama signed health care reform into law. coming up at the top of the hour, a close are look at the threats, the violence and now the lawsuits following the signing of that historic bill. plus, now that it is law, did president obama break any of his campaign promises to get there? it. no red wine...no coffee... [ female announcer ] new crest 3d white toothpaste removes up to 80% pd surface stains in just two weeks. what did i tell ya. [ female announcer ] new crest 3d white toothpaste. - for the better. - we really listen to you. and that helps us recommend a home loan option that's perfect for your needs. we'll close your loan at your own house if you want.

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making your craving for a sweet & salty bar irresistible, by nature valley. good morning, and welcome back. issue number one, still the economy. look at the research corporation poll taken in the days leading up to that historic health care vote last weekend. the most important issue to your vote for congress. the economy. take a look there. by a long shot. 43% followed by health care and education. you see there. break down the headlines as they affect your bottom line. poppy harlow is here for that.

big things to help homeowners. has are they doing? >> one of the biggest mortgage lenders could help people cutting loan balances up to 30%. folks, this is part of a settlement with the attorney general's office, when bank of america took over countrywide financial. trying to reduce the high-risk loans. applying to people with a loan balance over 120% the value of their home. they're under water on their home payment. now, you have to be at least 60 days overdue. two months overdue, on payments. expected this should help about 45,000 homeowners. not everybody, but some. >> more than will avoid -- to avoid foreclosure. >> it's a step in the right direction. >> the next topic. the federal reserve dishing out new rules for gift cards this week. >> yeah. >> this is fascinating to me. any time i get a gift card i'm wondering, when is it going to expire? do i have to use it? have to hur ji what are the new rules? >> you used to have to. go to the store later, no money

on it. the fed limited folks the fees that the merchants are allowed to charge on the cards. after a year, if you haven't used the card yet, you can be fined, but just one time per month. they also have to put out clear, clear disclosure on what the fees are, what all the terms and conditions are and also your card will not expire for five years. it's great news for consumers. >> well, it's mixed news, isn't it? you're saying the recipient could be charged a fee? >> you always are charged a fee, if you wait to use it. if you then want to use it. but now it's going to change in less fees. i suppose that's a good thing. >> well, yes. it's better, i guess. >> it's better. >> all right, poppy. you always see the bright side of things. last, not least, taxes. the tax deadline is looming, april 15th not far away. white house officials said monday americans could get an average of 10% more back on their return. is this right? >> it is, because of the stimulus program. the average tux return for 2009,

about $,036. actually up. the returns are up about $266 from a year ago, but only half of americans have actually filed their taxes yet, according to the irs. what they're saying is, look carefully at the stimulus program. how it can help you, the provisions in there that can actually save you money. there's more than a dozen new benefits, folk, thanks to the stimulus program. making work pay is one. first-time home buyer credit. credits if you bought a new car in 2009. couldn't write off in 2008 but can in 2009 and can save as they said, people are saving about 10%, getting that much more back. >> that's great news. >> great news. >> making the stimulus work for you. i like to hear that. poppy harlow, thanks. much more on taxes and all the business news of the week on "your bottom line" ahead at 9:30 a.m. eastern time right here on cnn. t.j.? winter or not? that is the question. and it depends where you are in the country, whether or not it's winter or spring. >> you know, it's holding on. in parts of the northeast, just

crazy. because they've had, of course, the balance of winter, springlike conditions. in parts of colorado, it's not time to put away the skis or snowboards yet. still have snowmobiles out. if you're a fan of being shut in with winter weather, then you're happy about that, too. we're going to see improvements there. possibly also in parts of the central plains, maybe your home state of arkansas. storms later on today. show you this great shot we have outside. right to it show you the beautiful city of -- atlanta. centennial park in the foreground. in the back, the city's skyline. temperatures in atlanta going up into the -- well, actually springlike highs to about 64 degrees in the atlanta area. denver, not the situation. show you what's happening in denver right now. see this on radar. see a lot of white popping up. those aren't clouds. rather precipitation and heavy along the front range. further south, up to a foot of snowfall in the mountains.

making a drive from denver to albuquerque, be careful. further to the east, this area of low pressure bringing severe storms through parts of arkansas. little rock could be under the gun later today in terms of strong storms. thunderstorms, even flash flooding and can't rule out a chance of an isolated tornado. that's occurring later today. seeing the storms pop up across parts of nebraska and into kansas. just west of kansas city, heaviest action. one weak squall line moving through kansas city. tuning in that in area, rain through, 15, 20 minutes, things clear out then a little bit. high temperature, wrap things up. 53 degrees expected high in washington, d.c. 53 in chicago. 42 in denver. 77 phoenix and high in san francisco going to 67 degrees nap is the latest on your forecast. we've got more coming up right here on cnn. see you in a moment. car insura, even if that means we have to shop all day, right, honey? yep, all day. good thing you're starting here. we compare your progressive direct rate to other top companies', so you can save money! look!

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just about at the top of the hour, cheshging top story. the republicans are making health care reform a key part of their efforts to defeat democrats this year. in today's republican address the republican ladder in the senate set the legislation will sink the democrats in november. >> in one of the most divisive legislative debates in modern history democrats decided to go the partisan route and blatantly ignore the will of the people. americans opposed this legislation, and now they're clamoring to see it repealed and replaced. democratic leaders and white house officials may be celebrating their victory this week, but most of the rest of the country is not. most people aren't interested in celebrating a bill that makes

their lives more complicated, takes more out of their paychecks and puts decisions they're used to making themselves into the hands of federal bureaucrats. >> senator mitch mcconnell says large companies will have to spend millions of dollars to comply with the new legislation. i'll be back in an hour. meanwhile, a special health care edition of "cnn saturday morning" starts with t.j. right now. i know many americans are angry over this health care bill, and angry at democrats it leer in washington for mot listening. but as i said before, the violence and threats are unacceptable. >> i believe that words have power. >> you're a low-life baby-murdering scumbag pile of steaming crap. >> now that we passed it, promising to repeal it. they're actually going to run on a platform of repeal in november. you've been hearing that.

and my attitude is, go for it. >> the president essentially daring them to try to repeal this bill. the anger is spilling over, the message going out. a week of threats, violence and legal maneuvering even, and like we have seldom seen. coffin left on a missouri congressman lawn. bricks hurled through several congressional office windows. death threats call into lawmakers and political activists going full tilt. they are trying to figure out who to boot from office. yet the health care bill is now law of the land, but the battle is yet over. do we have a lot to cover in this next half hour. we'll be talking about it all this morning. first, you're going to hear from an attorney general who is flat out refusing to sue over health care even though the governor of his state has instructed him to do so. we do know now that more than a dozen states are lining up to legally challenge the new health care law. the claim is that it's

unconstitutional for the federal government to require citizens that they must have and must buy health care insurance. now in georgia, the battle is going a little further here. the attorney general, mr. baker, is with me seeking the democratic nomination for governor. we'll talk to him in a second. to give you background on the story here, what has happened is the fact that many governors across the country have told their attorney generals they want to sue over the fact, sue over this particular health care legislation saying they believe it's unconstitutional. we'll put up the map one more time, to show you those states. we got over a dozen so far that are saying they're going to sue. and most of these states do have republican governors or republican attorneys general, but the case that goes here in georgia, a republican governor who has told his democratic attorney general to sue. thurman baker is here, not going to do it and you told the

governor here in georgia perdue, just that, but is it up to you? the governor's supposed to -- you act as his employee? aren't you supposed to do what you're told to do? that's not the case. >> absolutely not. the attorney general is independently elected. as attorney general i get to say the right what i believe is the law in georgia and the governor is, in fact, asking me to go out and pursue the federal government over health care reform. i have looked very extensively at the question of whether or not there can be a lawsuit in this case. now, we've looked at the constitution. we've looked at everything, i believe, that you can look at in terms of case law to make this decision, and i will tell you after going through all of that analysis, i've come away with the conclusion that there is absolutely no legal basis upon which to file this lawsuit, and that if do you it, it's going to be a terrible waste of taxpayer money. >> clearly you know there are many other attorney generals out there's who disagree with you.

so will you now, even though you feel that way about it, that governor perdue will find him another person to do it. found pro bono lawyers who will take up the case. will you try to block him from going that route? >> under georgia law, the governor has the right when the attorney general declines to pursue a course of litigation, the governor in this state has the right to go out and pursue the course on his own, but i've said this to the governor, i've said this to the entire state. any monies we spend in this pursuit of litigation is wasted taxpayer money, because we could be spending that money in other critical areas. we're laying off teachers in this state. we've got a huge medicaid budget deficit. we need to be spending those moneys in those areas. >> where is the cost? how much money are we talking about, if we've got lawyers agreed to do it pro bono. >> lawyers can be expensive. >> they said for free, though. >> i understand. there are always inherent costs in filing litigation. lawyer fees, incidental -- >> we don't have lawyer fees.

>> we'll see where the governor goes on this. you're always talking about incidental costs involved in litigation. there are things that will come up. talking about taking people away from their assigned duties. you've got to respond to litigation. that's going to cost as well. but as i've said, any time you're talking about diverting state resources in any way, you're costing the state. i don't think you do it when the case won't go anywhere. >> you don't believe the case will go anywhere. let me ask you in principle. do you believe the federal government should have the right to tell the citizens of your state they have to buy a product from a private company? in this case, health insurance. >> listen, since 1937, the courts in this country, the high courts have said that congress has a very expansive commerce clause provision. regulate interstate and inner state coffers. we're spending in this nation a lot, congress has a right to come in and regulate in respect may be a lot of disagreement in areas around the country and right leer in georgia as to

whether or not this is a good idea, but there is no question in nimy opinion that congress h to right to do it. >> koch has the right to set you have to buy this product. we want to get into the fact that you are running for governor, on the -- seeking the democratic nomination. there's been talk out there were you -- you've heard it, calling you a long-shot candidate saying you're sitting here on national tv now. you've gotting a lot of attention because of this. now, would you agree with that, that this has helped your campaign in some way or at least helped you in name recognition by going head-to-head with the governor on this issue? >> in my. not a factor at all. this is between right and wrong. this is based on the law. this is my interpretation of where the law takes us. i can't be guided by the political whims of the country or the political whims of this state. what i've been asked to do is opine on whether or not the federal government can do what it's doing in health care reform. in my. they can and any litigation

opposing is it not going to go anywhere. >> even though you're doing what you say you think is right but still admit this 45 helped you in some way. >> that's not even a factor, in my. . what we try and do, give the state the best legal advice we were give it. that's what we've done. remember, i was asked this question. we didn't volunteer. i was asked by the governor of this state to opine on this issue. that's what we've done. >> governor perdue, we've been talking about. we did ask him to come in and join us. he send us a a statement instead and can note run because of term limits but issued this statement we want to share with view es now. we requested the attorney general file suit and he declined to do so. thankfully georgia law, you mentioned here, allows the governor to appoint a special attorney general to represent the people of georgia in a situation such as this. we have been inundated with calls from lawyers volunteering to take on this case pro bono so that the state will not incur any costs in pursuing this litigation. so the battle goes on.

again, attorney general baker, appreciate you coming in. >> glad to be with you. >> see you down's road. a lot of people hoping, can't we all get along here? political discourse take as turn in the worse in the wake of the new health care reform law, with protests getting far too personal. violent as well. we'll drill it down on subjected an a quick break and a quick check of top stories. stay here. they're discovering the first self-injectable ra medicine you take just once a month. it's simponi™, and taken with methotrexate, it helps relieve the pain, stiffness, and swelling of ra with one dose a month. visit 4simponi.com to see if you qualify for a full year of cost support. simponi™ can lower your ability to fight infections, including tuberculosis. serious and sometimes fatal events can occur, such as infections, cancer in children and adults, heart failure, nervous system disorders, liver or blood problems, and allergic reactions. before starting simponi™, your doctor should test you for tb

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welcome become to "cnn saturday morning." it's going to be great along the east coast and pretty nice out west. the center of the country could have problems due to this area of low pressure bringing a chance of severe storms from arkansas, mississippi, louisiana even monissouri before the day out. rockies, heavy snow. some places up to a foot. not only central rockies, as i mentioned, out east, nice and dry. same deal to the south east and eastern seaboard. high temperatures arming up to 47 degrees in new york. 70 in memphis. 77 houston. 79 in los angeles. that is a quick look at your forecast. sit tight. more coming up right here on "cnn saturday morning." there you go. let's wind 'em with precision. open our throttle to even more selection. and turn that savings swagger up full tilt. ♪ so when the time comes to bust open a can of doing... we've got all the tools for all the things we need to make 'em happen.

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well, you've seen some of this. death threats, bricks thrown through windows and a coffin left on a congressman's lawn. and a target of vandals. take a listen. >> my brother is a teacher and coach home between teaching, came home to check on the house because the posting ever the address and someone had sliced the propane line to his -- his grill in the backyard, covered in propane. >> that's virginia representative tom perriello. he's here with us. get us caught up on what's happening. sir, thank you for being here

with us. your story was especially interesting for a lot of folks, but tell us just for us the update. have there been anymore threats and also has your family, have the police actually caught anyone in connection to what happened at your brother's house? >> there's an ongoing investigation. local law enforcement, federal law enforcement has been doing an incredible job and me and those in my family appreciate it. we are trying to keep an eye on everything. there was a brick thrown through the window of a local republican headquarter yesterday morning. we immediately condemned that, obviously and are very concerned about escalating vitens and want to make sure everyone take as deep breath and gets back to the rule of law. >> yeah. you want to take a deep breath. also you might have to take precautions. have you and your family, have you all had to take extra security precautions? >> we're putting a particular focus on my brother and hits family, obviously. i think the local law enforcement, again is doing a great job keeping an eye on them

and making sure that everyone understands, first of all, that's not my house and second of all that we've got to get back to the rule of law here. so i think people are taking precautions, and that's an important thing to do, but i think it's particularly important that leaders from across the political spectrum make absolutely clear what's in bounds and what's out of bounds and that these sorts of threats and any direct violence or attack is absolutely out of bounds. >> you think the guy who posted your brother's address thinking was yours, do you think charges will come against him? >> i don't know. that's up to law enforcement. i will say the very conservative attorney general of my state has been absolutely clear. he's been very strong in this. he said this wasn't even close to the line. this was way over the line. even the posting of the address, even if it had been the right address. so i appreciate that the republican leadership in my state governor and attorney general have taken a strong stance against this. unfortunately, more mixed signals from the folks in washington, but i really do

think people get this as a bake sen basic sense of something that's just wrong. >> you're a new guy on the block in a lot of ways. a freshman. you came in a fresh face, probably, and in some ways might have been a little naive, but is this what you signed up for? i'm sure you went up there hoping an eager hoping to make big changes in washington, but is this what you signed up for? >> you know, i lived in sierra leone in west africa a couple years. in afghanistan a little while. i'm used to pretty tense situations. i didn't expect to be using some of that mindset here back in my own country, but i do understand this has ban very passionate debate and we have a very strong pro reform group in my district. very strong anti-reform groups in nimy district and the vast majority of them are good people dwhoog they think is right for the community and the country on both sitds of the debate and that's obviously the way things are supposed to work here. so we don't want to mar people on either side because there are

fringe elements out there acting outside the law. these things are intense. we are trying to do change that i think is going to make people's lives better here in the country. obviously that's why i support these things but understand that others disagree and we generally settle those debates at the ballot box. >> sir, last thing here. in a town that everything is political and politicized what has been your reaction to, quite frankly, these threats, these serious threats and sometimes death threats against members of congress being politicized? i mean, campaign ads going out, mailers going out in some ways trying to use what is happening as threats to raise money? essentially politicizing what you, your family and other members of congress have been going through? >> it's been incredibly disappointing. when these threats started to escalate, people were saying, i'm going to kill your children if you don't vote against this, not to me but to other members. and we spent several days reaching out to republican

leadership saying, let's walk out together on to the capitol steps. condemn this together. this should be way beyond partisan politics. and couldn't get them to do it. unfortunately, you know, again, the republicans even the tea party folks back home understood with five seconds, didn't have to run a focus group or anything else to see the right way to parch the statement they just came out and said, this is absolutely wrong. that's how everyone should feel about this. unfortunately, we can't even reach agreement on that. up in washington. and that's been very disappointing, but, again, i'm glad the people are taking a deep breath, hopefully focusing on what it means to be inside the law versus outside the law and we'll continue to have a very good and fervent debate about health care reform and what it means for working families. >> representative parry el i pe appreciate it. certainly not what you signed up for in ways. you're a tough guy. certainly the best to you and your family.

thanks for coming in this morning. >> thank you, t.j. turning back to the tee party activists here in -- well, right now, bring back in, we talked to lenny mcallister earlier, a proud republican here but i want to get first your reaction to what you heard there from representative perriello. democrat, young guy, wants to change washington, being subjected to this. what is your reaction to the tone and his efforts and a lot of people efforts to try to dial it back while some people still seem to be trying to ramp it up? >> it's unfortunate. you're caught in the mix. what people don't understand about the public figures, they're still family men and women. you wind up with people on the leading edge in historical times and we're leading and trying to make history now with all the changes we're talking about one way or another and you have people that are going to be on the fringe element. folks that are not going to deal with this in the way we do things in america. where the least of the society when it comes tos so yore

economto socioeconomics, still have equality in one vote, one voice. some don't know to you to express this. we see people willing to leverage a good movement gshgts for civics as far as citizen involvement making it go in a completely different and hateful direction. >> talking in part, the tea party. great movement, some people take it too far. they are targeting today, when i say target, going to the hometown of the senate majority leader harry reid. take a listen to senator reid here first of all and i'll ask about you about it on the other side. >> with health care thing, he's screwing up big time. so he's out. >> i don't think many voters in nevada dislike me. i think that we have an economic situation in nevada that is very difficult. >> he might be in some trouble out there, the majority leader. a lot of people say he's in risk of losing his re-election bid, but how does the tea party

now -- if you had to advise them on how to balance, what you call a good civics lesson what they're going out in to balance some of that with the rhetoric we're seeing that some people would just call hateful? >> they're going to have to continue to be active and continue to denounce this. the sad thing is throughout american history we've had a fringe element that's taken advantage of something very good and tried to bring something hateful about it. look at ku klux klan. the burning cross. aryan pride, two examples of something very good used for hate. the tea party has to do the same thing. show why the tea party movement is a great movement in america to pull both sides of the aisle and both sides of the political philosophy we have in our country together while also denouncing the hate. hopefully they can have a good start in nevada. at the same time, making sure that they show that we do this in a respectful way, want people at the poll, people active and

move america in that direction. >> no one's saying, certainly, you have -- crazies in every crowd. you're going to be 10,000 people out there, two or three unfortunately get attention and bring a bad name on the wheel gro whole group. what about the tea party? talking about getting out denouncing some of the stuff we're seeing, but politically, should they be trying to mold into one of the two parties, the republican or democratic party? or should they try to say as independent at possible and make republicans and democrats come to them? >> lard to have accountability. like having a younger brother. you can fight with your younger brother, but nobody else can beat them up. same thing. if they affiliate with one party or the other, the ability to bring about mutual accountability doesn't happen as much. the republican party generally affiliates with them. as long as the tea party has that independent element to it, it were ask for the conservative accountability it's been looking for throughout government. both sides of the aisle, and we can start seeing real change and

maybe fiscal accountability in the reeling back of government's roles in our lives. it's going to be key. you start talking about april 15th, july 4th, we'll see the proof in the pudding over the next couple of months starting with the 15th how these tea parties are rolled it and the type of speech wes see at those events. >> good to have you on. good voice. good to have you in the studio with us. we're going to take quick break and be right back. is the honor of being in your garage. if you're shopping for a new car, we invite you to put us to the test. and may the best car win. blend it. sprinkle it. sweet! [ male announcer ] grilled. filled. chilled. sweet! [ female announcer ] just about anywhere you use sugar you can use splenda® no calorie sweetener. more ways than you ever imagined. [ male announcer ] flakes. shakes. cakes. sweet! [ female announcer ] splenda® starts with sugar. tastes like sugar. but it's not sugar. it's...

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a look at some of the top stories today. tea party advocates ral ig in search light, nevada, today. former vice presidential candidate sarah palin the keynote speaker. and search light, why search light? the home of senate ma yorty leader harry reid. following a second stop in nevada, the tea party express goes on the road through several states winding up in washington with a big anti-government spending rally on april 15th, tax day. and dorothy hite hospitalized in washington. one of a handful of key

african-american leaders to meet with president obama at the white house last month for a summit on race in the economy. a family friend tells cnn her condition is stable but serious. iraqi prime minister nuri al maliki is challenging the final result of the country's parliament tear elections. fell two seats short of the top, which means former interim prime minister allawi gets the first crack at forming a new government. the second parliamentary election since the invasion in 2003. it's really hard to save for the future and they've come to a point where it's overwhelming. [ advisor 2 ] oh gee, i'm scared to tell you i've got this amount of credit card debt or i've got a 15-year-old and we never got around to saving for their college. that's when i go to work. we talk, we start planning. we can fix this. i know we can do it. when clients walk out of my office they feel confident about their retirement. [ male announcer ] visit ameriprise.com and put a confident retirement more within reach. [ male announcer ] how do you turn a washer into a whole new way to custom-clean and care for clothes?

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